SWIFT/BIC codes in Poland

Bank SWIFT codes for Poland

For Poland we have 398 SWIFT/BIC codes, spread over 212 institutions. Every code points to an institution or one of its branches and tells other banks where an international payment should go.

Search for the bank you need in the list and open its page to see all codes we have and what else a transfer requires. Below the list you can read how codes from Poland are built, how to send money there without overpaying and what to check before you pay.

Sending money to Poland for less

The price of a payment to Poland has several parts, and the fee on your screen is only one of them. You pay the transfer fee, sometimes charges from intermediary banks and, above all, the margin on the exchange rate when currencies differ.

Most of the cost usually sits in the exchange rate, rather than in the fee. An easy check: put the rate you get next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the exchange rate. Before you send money to Poland, take a minute comparing what arrives on GoldexPay rather than accepting the first rate you see.

Verifying a SWIFT code from Poland

The safest source for the BIC is the recipient’s own bank details: an invoice, a statement or their online banking. An incorrect BIC may lead to delays, a payment being sent back or extra fees, so compare it with the list on this page.

We collect bank codes from public sources and check our list from time to time. Institutions merge, close branches and change codes, and no directory catches every change immediately. Treat this list as a reference rather than the last word; the recipient’s bank details are leading. We are a comparison site.

Be wary of invoices with changed bank details, especially when they come by email. Always verify changed details by phone, using a number you already had.

Poland and the SEPA area

Within the SEPA zone, euro transfers to Poland follow common rules, so the IBAN does the job in most cases. A field for the BIC is often optional in that case.

You still need a SWIFT code for non-euro payments or money from outside the SEPA area. SEPA transfers usually arrive by the next business day. Costs stay low as long as everything stays in euros; the conversion is where it gets expensive.

The Polish Zloty (PLN) and conversion costs

The national currency of Poland is the Polish Zloty (PLN). When you pay money in a different currency, it gets converted somewhere along the way: by your bank, an intermediary or the receiving bank.

Who does the conversion affects the final amount, as rates and margins differ per bank. Compare how much PLN the recipient gets via different providers before choosing one. Rates for PLN change during the day, so a quote is usually valid only briefly.

Most SWIFT codes in Poland: Pko Towarzystwo Funduszy Inwestycyjnych SA

Among the 212 institutions we list, Pko Towarzystwo Funduszy Inwestycyjnych SA has the most SWIFT/BIC codes of all banks in Poland. The head office of Pko Towarzystwo Funduszy Inwestycyjnych SA has PTFIPLP1XXX.

Many codes usually reflects that the bank registers branches and departments separately – it says nothing about the size of the bank as such. Paying someone at Pko Towarzystwo Funduszy Inwestycyjnych SA? Use PTFIPLP1XXX except when a specific branch code is requested.

Recognising a SWIFT code from Poland

Bank identifier codes follow one international format: 8 characters plus an optional three-character extension. Characters one to four identify the bank, the fifth and sixth characters form the country code and the next two give the location.

No matter which bank, every code from Poland share the same country code in positions five and six. A code with other letters in that position come from another country, even if the bank name looks familiar.

The optional last three characters stand for a specific branch; XXX is used for the head office. For most transfers the head office code is what you need unless the recipient asks for a specific branch.

Transfer times to Poland

There is no fixed delivery time for payments to Poland: some arrive the same day or the next, others take several business days. Transfers sent after the cut-off time or on a weekend or public holiday usually start a business day later.

If the money seems late, ask the sender to contact the sending bank. Save your transfer receipt until the money has arrived – you will need it if something goes wrong.

Receiving money in Poland from abroad

Someone abroad who wants to pay you needs a few details from you. Give them your name as registered with the bank, the IBAN or account number, the BIC of your bank and your address.

Find your bank in the list above and compare the code with your own bank details. Some banks also want the name and address of your bank, so keep it at hand.

The amount you receive is often less than what was sent. Correspondent banks can take a fee, and if the money is converted, an exchange rate margin applies. Agree with the sender who pays which costs, especially for larger amounts.